Cleveland, OH · Charter 61348
Q2 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2012, the quarter ended June 30, 2012, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Cleveland, OH · Charter 61348
Q2 2012
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q1 2010 | Q3 2010 | Q1 2011 | Q2 2011 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.61% | -1.83% | -0.22% | -0.05% | -1.13% | -1.62% | -1.24% | -2.43% | -239 bps | |
| Return on Equity | -8.91% | -10.43% | -1.37% | -0.29% | -7.15% | -10.86% | -8.29% | -17.03% | -1,674 bps | |
| Net Interest Margin | 4.08% | 4.13% | 3.61% | 3.75% | 3.56% | 3.44% | 3.19% | 3.23% | -52 bps | |
| Efficiency Ratio | 126.48% | 138.63% | 104.42% | 99.81% | 130.20% | 145.56% | 138.73% | 174.16% | +7,434 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 43.34% | 34.92% | 45.24% | -0.69% | -1.43% | 3.74% | -2.93% | -4.00% | -331 bps | |
| Loan Growth (YoY) | 43.36% | 43.60% | 32.67% | -17.15% | -4.54% | -5.32% | -3.00% | -11.40% | +574 bps | |
| Share Growth (YoY) | 67.54% | 49.75% | 60.56% | -6.04% | -7.21% | 3.95% | -1.90% | -1.15% | +488 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 5.58% | 15.37% | 14.49% | 15.16% | 16.06% | 15.72% | 15.36% | 15.54% | +38 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 3.77% | 3.21% | 2.67% | 3.04% | 2.88% | 1.42% | 1.45% | -122 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 18.03% | 17.51% | 16.37% | 16.48% | 15.76% | 14.90% | 14.96% | 14.29% | -219 bps | |
| Net Worth / Assets | 18.03% | 17.51% | 16.37% | 16.48% | 15.76% | 14.90% | 14.96% | 14.29% | -219 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 40.79% | 44.85% | 40.20% | 41.56% | 41.96% | 40.84% | 39.75% | 37.25% | -431 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |